轉(zhuǎn)買福費(fèi)廷業(yè)務(wù)

1、附件 2：中國(guó)農(nóng)業(yè)銀行江蘇省分行轉(zhuǎn)買福費(fèi)廷業(yè)務(wù)操作規(guī)程（試行）第一章 總則第一條 為進(jìn)一步完善業(yè)務(wù)功能，提高我行國(guó)際化經(jīng)營(yíng)水平， 根據(jù)市場(chǎng)發(fā)展需要以及總行貿(mào)易融資業(yè)務(wù)有關(guān)規(guī)定和福費(fèi)廷業(yè)務(wù) 的有關(guān)國(guó)際慣例，特制定本操作規(guī)程。第二條 轉(zhuǎn)買福費(fèi)廷業(yè)務(wù)，是指我行根據(jù)其它金融機(jī)構(gòu)的要 求，在開證行或保兌行或其它指定銀行對(duì)跟單信用證項(xiàng)下的遠(yuǎn)期匯 票承兌或承諾付款后，對(duì)該匯票或承諾付款進(jìn)行無(wú)追索權(quán)的買斷， 融資到期日匯票承兌行或承諾付款行或指定議付行向我行付款的 融資行為。第三條 轉(zhuǎn)買福費(fèi)廷業(yè)務(wù)的期限為自買斷日至付款到期日不超 過一年，且進(jìn)出口貿(mào)易背景真實(shí)、合法。第四條 轉(zhuǎn)賣銀行不需在我行有授信額度，不需辦

2、理?yè)?dān)保手續(xù)， 辦理轉(zhuǎn)買福費(fèi)廷后不占用轉(zhuǎn)賣銀行已有的授信額度。第五條 轉(zhuǎn)買福費(fèi)廷業(yè)務(wù)僅對(duì)開證行或保兌行或其它指定銀行 的加押有效承兌或承諾付款電文辦理，且信用證承兌行或承諾付款行必須在農(nóng)業(yè)銀行有代理行單證額度，按照總分行下發(fā)的金融機(jī)構(gòu) 授信額度管理相關(guān)制度執(zhí)行。第六條 根據(jù)轄內(nèi)機(jī)構(gòu)的信貸業(yè)務(wù)管理和國(guó)際結(jié)算業(yè)務(wù)操作水平，二級(jí)分行可對(duì)轄內(nèi)機(jī)構(gòu)辦理轉(zhuǎn)買福費(fèi)廷業(yè)務(wù)進(jìn)行轉(zhuǎn)授權(quán)。第七條 本操作規(guī)程所指轉(zhuǎn)買福費(fèi)廷業(yè)務(wù)的幣種主要包括美元、歐元、英鎊、瑞士法郎、日元、澳元、加元、港幣等可自由兌 換貨幣。第二章 轉(zhuǎn)買福費(fèi)廷業(yè)務(wù)術(shù)語(yǔ)和交易單據(jù)第八條 本操作規(guī)程中涉及的轉(zhuǎn)買福費(fèi)廷業(yè)務(wù)術(shù)語(yǔ)及釋義如下（一）轉(zhuǎn)買銀行： 無(wú)追

3、索權(quán)地買斷出口商未來(lái)應(yīng)收遠(yuǎn)期票據(jù)或債務(wù)的銀行稱為轉(zhuǎn)買銀行。本操作規(guī)程中是我行作為轉(zhuǎn)買銀行買斷跟單信用證項(xiàng)下經(jīng)銀行承兌的遠(yuǎn)期匯票或應(yīng)收賬款。（二）轉(zhuǎn)賣銀行： 將經(jīng)有效承兌或承諾付款的應(yīng)收賬款權(quán)益轉(zhuǎn) 賣我行的銀行。（三）承兌行： 承兌遠(yuǎn)期票據(jù)或承諾到期付款的銀行。 本操作 規(guī)程中指經(jīng)我行認(rèn)可的，遠(yuǎn)期信用證項(xiàng)下的承兌行或遲期付款信用 證項(xiàng)下的承諾付款行。（四）寬限期：從票據(jù)到期日至實(shí)際收款日的估計(jì)延期天數(shù)， 在計(jì)算貼現(xiàn)時(shí)將寬限期計(jì)入實(shí)際融資期。第九條 轉(zhuǎn)買福費(fèi)廷業(yè)務(wù)所需提供的單據(jù)主要包括：信用證、 開證行或保兌行的承兌或承諾付款電文，如需要，可要求賣方銀行 提供信用證項(xiàng)下單據(jù)，包括已經(jīng)承兌的匯票、商

4、業(yè)發(fā)票、運(yùn)輸單據(jù) 以及交單面函等。第三章 轉(zhuǎn)買福費(fèi)廷業(yè)務(wù)的職責(zé)分工第十條 省分行的職責(zé)（一）負(fù)責(zé)向總行申請(qǐng)代理行額度， 了解相關(guān)國(guó)家風(fēng)險(xiǎn)和代理 行風(fēng)險(xiǎn)二） 負(fù)責(zé)轉(zhuǎn)買福費(fèi)廷業(yè)務(wù)外資同業(yè)的詢價(jià)、報(bào)價(jià)工作（三）轉(zhuǎn)買后， 一旦買斷款項(xiàng)不能按期收回， 與經(jīng)辦行一起采 取有效法律手段進(jìn)行追索。（四）負(fù)責(zé)轉(zhuǎn)買福費(fèi)廷業(yè)務(wù)營(yíng)銷管理工作。第十一條 各二級(jí)分行的職責(zé)（一）負(fù)責(zé)轉(zhuǎn)買福費(fèi)廷業(yè)務(wù)境內(nèi)同業(yè)的詢價(jià)、報(bào)價(jià)工作（蘇州 分行可負(fù)責(zé)外資同業(yè)和境內(nèi)同業(yè)的詢價(jià)、報(bào)價(jià)工作） 。（二）負(fù)責(zé)轄屬支行轉(zhuǎn)買福費(fèi)廷業(yè)務(wù)的審批工作。（三）協(xié)助經(jīng)辦行受理賣方銀行該業(yè)務(wù)項(xiàng)下所需提供的單據(jù)， 審核信用證和承兌電文的真實(shí)有效性及相關(guān)條款的合規(guī)

5、性。（四）轉(zhuǎn)買后，負(fù)責(zé)業(yè)務(wù)的跟蹤了解和監(jiān)測(cè)。（五）負(fù)責(zé)向當(dāng)?shù)亟鹑跈C(jī)構(gòu)營(yíng)銷轉(zhuǎn)買福費(fèi)廷業(yè)務(wù)。（六）負(fù)責(zé)將相關(guān)市場(chǎng)信息和業(yè)務(wù)信息反饋省分行（國(guó)際業(yè)務(wù) 部）。第十二條 各支行的職責(zé)一）受理轉(zhuǎn)賣銀行該業(yè)務(wù)項(xiàng)下所需提供的單據(jù)，審核信用證和承兌電文相關(guān)條款的合規(guī)性，審核信用證和承兌電文的真實(shí)有效 性。若本行無(wú)轉(zhuǎn)買福費(fèi)廷業(yè)務(wù)的審批權(quán)限，需將相關(guān)資料報(bào)送有權(quán) 審批行進(jìn)行審批。（二）負(fù)責(zé)轉(zhuǎn)買福費(fèi)廷業(yè)務(wù)的內(nèi)部審批手續(xù)和業(yè)務(wù)處理。（三）轉(zhuǎn)買后，負(fù)責(zé)業(yè)務(wù)的跟蹤了解和監(jiān)測(cè)。（四）負(fù)責(zé)向當(dāng)?shù)亟鹑跈C(jī)構(gòu)營(yíng)銷轉(zhuǎn)買福費(fèi)廷業(yè)務(wù)。（五）負(fù)責(zé)將相關(guān)市場(chǎng)信息和業(yè)務(wù)信息反饋市分行（國(guó)際業(yè)務(wù) 部）。第四章 轉(zhuǎn)買福費(fèi)廷業(yè)務(wù)的辦理流程第十三條 轉(zhuǎn)

6、買福費(fèi)廷業(yè)務(wù)的辦理流程（一）轉(zhuǎn)賣銀行向我行詢價(jià)， 提供包括開證行、 開證行所在地、 單據(jù)幣種和金額、匯票到期日、交易貨物品名等信息，詢價(jià)可通過 傳真、電郵、電話等。（二）各二級(jí)分行可接受經(jīng)辦行和轉(zhuǎn)賣銀行詢價(jià)，經(jīng)辦行須以書面形式向市分行國(guó)際業(yè)務(wù)部詢價(jià) （詢價(jià)單詳見附件 1 ），市分行國(guó) 際業(yè)務(wù)部根據(jù)開證行所在國(guó)家風(fēng)險(xiǎn)、開證行資信狀況和裝運(yùn)日期、 融資金額、 期限等確定是否辦理轉(zhuǎn)買福費(fèi)廷業(yè)務(wù)。 如確認(rèn)可以辦理， 市分行國(guó)際業(yè)務(wù)部對(duì)下批復(fù)價(jià)格，經(jīng)辦行當(dāng)天及時(shí)通過傳真、電話 或電郵方式提供報(bào)價(jià)。首次與我行辦理轉(zhuǎn)買福費(fèi)廷業(yè)務(wù)的金融機(jī)構(gòu) 必須與我行簽訂福費(fèi)廷協(xié)議 （Forfaiting Agreement

7、） （附件 2 ）。協(xié) 議簽署后每筆福費(fèi)廷業(yè)務(wù)可以 Offer Letter （附件 3）方式確認(rèn)即 可辦理。（三）如轉(zhuǎn)賣銀行同意我行報(bào)價(jià)以及 Offer Letter 內(nèi)容，則須 將有關(guān)信用證和承兌電文副本（需簽字或蓋章作實(shí)）傳真至我行經(jīng) 辦行，經(jīng)辦行客戶部門在轉(zhuǎn)買福費(fèi)廷業(yè)務(wù)呈批表 （附件 4 ）上填 寫調(diào)查意見，連同客戶提交的相關(guān)資料交國(guó)際業(yè)務(wù)部門審核。（四）國(guó)際業(yè)務(wù)部門審核無(wú)誤后，在轉(zhuǎn)買福費(fèi)廷業(yè)務(wù)呈批表 上填寫審核意見，連同客戶提交的相關(guān)資料交信貸部門審查，審查 同意后，報(bào)有權(quán)審批人審批（五）有權(quán)審批人審批同意后，經(jīng)辦行簽署 Offer Letter 并傳 真至轉(zhuǎn)賣銀行。（六）轉(zhuǎn)賣銀行簽

8、署 Offer Letter 傳真件，然后傳真至我行經(jīng) 辦行，并發(fā) MT799 福費(fèi)廷電文（附件 5 ）至我行經(jīng)辦行，同時(shí)， 轉(zhuǎn)賣銀行需向開證行發(fā)送 MT799 電文（附件 6 ），告知相關(guān)款項(xiàng)讓 渡事項(xiàng)，并將款項(xiàng)讓渡報(bào)文簽字或蓋章作實(shí)后傳真至我行。（七）在收到轉(zhuǎn)賣銀行 MT799 電文后，經(jīng)辦行進(jìn)行 CMS 系統(tǒng) 處理以及相應(yīng)賬務(wù)處理（ CMS 處理流程見第十五條） ，根據(jù)電文要 求以雙方約定時(shí)間扣收有關(guān)利息后付款給轉(zhuǎn)賣銀行。同時(shí)向轉(zhuǎn)賣銀 行發(fā)送 MT799 電文（附件 7 ）確認(rèn)付款金額、付款日、到期日以 及我行收匯路線等信息，并說明如開證行到期日直接向轉(zhuǎn)賣銀行付 款，要求轉(zhuǎn)賣銀行及時(shí)歸還

9、我行轉(zhuǎn)買款項(xiàng)。（八）在到期日1、如信用證中有索償條款，在到期日前三個(gè)銀行工作日，經(jīng) 辦行應(yīng)通知轉(zhuǎn)賣銀行及時(shí)向相關(guān)償付行索償。2、如信用證中無(wú)索償條款，我行在業(yè)務(wù)到期日沒有收到轉(zhuǎn)買款項(xiàng)，應(yīng)及時(shí)提請(qǐng)轉(zhuǎn)賣銀行協(xié)助我行向開證行催收。（九）如我行在業(yè)務(wù)到期日直接收到開證行的付款，我行應(yīng)于 收到開證行款項(xiàng)當(dāng)日書面通知轉(zhuǎn)賣銀行，以便轉(zhuǎn)賣銀行辦理國(guó)際收 支申報(bào)手續(xù)（書面通知見附件 8）。第十四條 轉(zhuǎn)買福費(fèi)廷業(yè)務(wù)的 CMS 錄入流程（一）錄入客戶信息。 在 CMS 客戶管理 法人客戶概況登記 法人基本信息 中錄入轉(zhuǎn)賣銀行信息。要求真實(shí)錄入轉(zhuǎn)賣銀行的 組織機(jī)構(gòu)代碼（無(wú)組織機(jī)構(gòu)代碼的銀行可按規(guī)定審批流程由市分行 統(tǒng)

10、一虛擬代碼） 、全稱及相關(guān)信息。（二）在未實(shí)施信貸業(yè)務(wù)網(wǎng)上作業(yè)前，直接在 CMS 臺(tái)賬管理 登記審批記錄 貸款登記 中錄入審批信息，其中“貸款類別” 選擇“貿(mào)易融資貸款”中的“買入外匯票據(jù)” ，“貸款期限分類”選 擇“銀行承兌匯票貼現(xiàn)” ，“貸款方式”選擇“票據(jù)貼現(xiàn)” 。實(shí)施信 貸業(yè)務(wù)網(wǎng)上作業(yè)后，轉(zhuǎn)買福費(fèi)廷業(yè)務(wù)納入網(wǎng)上作業(yè)范圍。（三）在 CMS 臺(tái)賬管理 貸款臺(tái)賬管理 中依次錄入借款合 同、借款憑證信息，向 ABIS 發(fā)送賬務(wù)處理電子信息，并打印“貼 現(xiàn)/ 轉(zhuǎn)貼現(xiàn)”憑證和“票據(jù)貼現(xiàn)通知單” ，經(jīng)有關(guān)部門負(fù)責(zé)人和人員 簽字后送會(huì)計(jì)部門進(jìn)行賬務(wù)處理。會(huì)計(jì)人員必須在轉(zhuǎn)買福費(fèi)廷業(yè)務(wù) 電子流信息與“貼現(xiàn)

11、 / 轉(zhuǎn)貼現(xiàn)”憑證和“票據(jù)貼現(xiàn)通知單”信息一 致的情況下才能進(jìn)行賬務(wù)處理。（四）收回票據(jù)買入融資款。 CMS 通過 DIS 系統(tǒng)自動(dòng)從 ABIS 接入票據(jù)買入融資收回信息。第五章 轉(zhuǎn)買福費(fèi)廷業(yè)務(wù)的融資利率、期限、計(jì)費(fèi)和計(jì)息 第十五條 轉(zhuǎn)買福費(fèi)廷的融資利率由市分行（國(guó)際業(yè)務(wù)部）根 據(jù)國(guó)家風(fēng)險(xiǎn)情況、代理行風(fēng)險(xiǎn)情況以及同業(yè)競(jìng)爭(zhēng)情況向經(jīng)辦行提出 報(bào)價(jià)。轉(zhuǎn)買福費(fèi)廷的融資利率確定標(biāo)準(zhǔn)為：根據(jù)開證行所在國(guó)家風(fēng) 險(xiǎn)、開證行資信狀況和裝運(yùn)日期、融資金額、期限等在 LIBOR 或 COST OF FUND 基礎(chǔ)上加一定幅度的利差點(diǎn)數(shù)。第十六條 轉(zhuǎn)買福費(fèi)廷業(yè)務(wù)的期限為經(jīng)辦行實(shí)際融資日至代理行承兌或承諾付款日的期限，

12、再根據(jù)相關(guān)代理行的收匯考核記 錄，增加 3 5 個(gè)工作日的寬限期。第十七條 轉(zhuǎn)買福費(fèi)廷業(yè)務(wù)對(duì)相關(guān)的代理行費(fèi)用不予買斷，經(jīng) 辦行應(yīng)根據(jù)代理行扣費(fèi)情況，在計(jì)算貼現(xiàn)時(shí)預(yù)扣一定金額的費(fèi)用， 以免我行到期收匯時(shí)遭受損失。第十八條 轉(zhuǎn)買福費(fèi)廷融資金額的計(jì)算公式 經(jīng)辦行可選擇適用直接貼現(xiàn)法和復(fù)利貼現(xiàn)法來(lái)計(jì)算福費(fèi)廷融 資金額。（一）直接貼現(xiàn)法公式：福費(fèi)廷融資凈額=承兌（承諾付款）金額福費(fèi)廷貼現(xiàn)利息手續(xù)費(fèi)及郵電費(fèi)及其它相關(guān)費(fèi)用；福費(fèi)廷貼現(xiàn)利息=承兌（承諾付款）金額X貼現(xiàn)期限（天數(shù)）X貼現(xiàn)利率/ 360 （365）；二）復(fù)利貼現(xiàn)法公式： 福費(fèi)廷融資凈額=承兌（承諾付款）金額/除數(shù)-手續(xù)費(fèi)及郵電費(fèi)及其它相關(guān)費(fèi)用；除

13、數(shù)=貼現(xiàn)利率X天數(shù)/360 （365 ） + 1 ;第六章 轉(zhuǎn)買福費(fèi)廷業(yè)務(wù)管理第十九條 轉(zhuǎn)買福費(fèi)廷業(yè)務(wù)的內(nèi)部審批流程和審批權(quán)限比照 各行的貿(mào)易融資審批執(zhí)行。第二十條 省分行（國(guó)際業(yè)務(wù)部）負(fù)責(zé)對(duì)全省轉(zhuǎn)買福費(fèi)廷業(yè)務(wù) 進(jìn)行統(tǒng)一監(jiān)控和管理。市分行承擔(dān)轄內(nèi)轉(zhuǎn)買福費(fèi)廷業(yè)務(wù)的管理和營(yíng) 銷職能，并按月向省分行（國(guó)際業(yè)務(wù)部）報(bào)送中國(guó)農(nóng)業(yè)銀行江蘇 省分行轉(zhuǎn)買福費(fèi)廷業(yè)務(wù)情況統(tǒng)計(jì)表 （附件 9）。第二十一條 代理行額度管理。省、市分行（國(guó)際業(yè)務(wù)部）共 同負(fù)責(zé)代理行額度管理。各市分行按月匯總各支行代理行單證額度 使用情況，向省分行報(bào)送代理行單證額度使用情況表 。第二十二條 轉(zhuǎn)買福費(fèi)廷業(yè)務(wù)的編號(hào)為： 100PFXXYYY

14、ZZZZ （ XX 代表年份后兩位數(shù)字， YYY 代表 BIBS 系統(tǒng)中各行代碼， ZZZZ代表序列號(hào)）第二十三條 經(jīng)辦行應(yīng)加強(qiáng)對(duì)所辦轉(zhuǎn)買福費(fèi)廷業(yè)務(wù)的跟蹤，如果出現(xiàn)開證行遲付，經(jīng)辦行應(yīng)按實(shí)際遲付天數(shù)及時(shí)向開證行索要遲付利息；如果開證行出現(xiàn)其他的風(fēng)險(xiǎn)，應(yīng)及時(shí)采取補(bǔ)救措施并向上級(jí)行國(guó)際業(yè)務(wù)部門報(bào)告，上級(jí)行要協(xié)助向有關(guān)銀行進(jìn)行交涉；如果發(fā)生貿(mào)易欺詐風(fēng)險(xiǎn)，經(jīng)辦行應(yīng)采取有效的追索措施并及時(shí)向上級(jí)行 信貸管理部門和國(guó)際業(yè)務(wù)部門報(bào)告。第二十四條 在辦理轉(zhuǎn)買福費(fèi)廷業(yè)務(wù)時(shí)，各經(jīng)辦行應(yīng)當(dāng)使用自 有外匯資金，不得購(gòu)匯，亦不得占用結(jié)售匯周轉(zhuǎn)頭寸。在出現(xiàn)業(yè)務(wù) 風(fēng)險(xiǎn)時(shí)，各經(jīng)辦行亦不得購(gòu)匯，不得占用結(jié)售匯周轉(zhuǎn)頭寸，亦不得

15、與代客業(yè)務(wù)混淆而通過銀行間外匯市場(chǎng)進(jìn)行平補(bǔ)。第二十五條 檔案管理。對(duì)轉(zhuǎn)買福費(fèi)廷業(yè)務(wù)項(xiàng)下的交易單據(jù)，各經(jīng)辦行應(yīng)及時(shí)歸檔，專卷保管，妥善保存，保存期限為5 年第七章 轉(zhuǎn)買福費(fèi)廷業(yè)務(wù)的會(huì)計(jì)核算第二十六條 轉(zhuǎn)買福費(fèi)廷會(huì)計(jì)核算一）經(jīng)辦行在福費(fèi)廷融資交割日，將扣除了貼現(xiàn)利息和相關(guān)手續(xù)費(fèi)及其他費(fèi)用后的款項(xiàng)支付給出口商，會(huì)計(jì)分錄如下：借： 31207 福費(fèi)廷融資外幣貸： 31904 福費(fèi)廷融資利息調(diào)整外幣79105 結(jié)算業(yè)務(wù)收入外幣79108 融資手續(xù)費(fèi)收入外幣66699 福費(fèi)廷預(yù)扣國(guó)外款項(xiàng)外幣12104 存放系統(tǒng)內(nèi)清算款項(xiàng)等外幣（二）以權(quán)責(zé)發(fā)生制為基礎(chǔ)，于每月末日、融資到期日確認(rèn)該 期利息收入。借： 319

16、04 福費(fèi)廷融資利息調(diào)整外幣貸： 77112 貿(mào)易融資貸款利息收入外幣（三）票據(jù)到期日收到開證行付款，會(huì)計(jì)分錄如下：借： 12104 存放系統(tǒng)內(nèi)清算款項(xiàng)外幣66699 福費(fèi)廷預(yù)扣國(guó)外款項(xiàng)外幣外幣貸： 31207 福費(fèi)廷融資貸： 12104 存放系統(tǒng)內(nèi)清算款項(xiàng)（余款） 外幣 第二十七條 逾期福費(fèi)廷融資的會(huì)計(jì)核算 福費(fèi)廷融資款項(xiàng)在延期到期日營(yíng)業(yè)終了前，如仍未能收回，則 將其轉(zhuǎn)入逾期戶，會(huì)計(jì)分錄如下：借： 27144 其他貿(mào)易項(xiàng)下融資墊款 逾期福費(fèi)廷融資 外幣 貸： 31207 福費(fèi)廷融資外幣第二十八條 非應(yīng)計(jì)福費(fèi)廷融資的會(huì)計(jì)核算 逾期（含展期后到期）超過 90 天仍未歸還或雖未逾期或逾期 不滿 9

17、0 天而承兌行倒閉或其他原因致使融資款項(xiàng)無(wú)法收回，將款 項(xiàng)轉(zhuǎn)入非應(yīng)計(jì)貸款戶，會(huì)計(jì)分錄如下：借：29144 非應(yīng)計(jì)其他貿(mào)易項(xiàng)下融資墊款外幣貸：27144 其他貿(mào)易項(xiàng)下融資墊款 逾期福費(fèi)廷融資 外幣第八章 附則第二十九條 本操作規(guī)程由中國(guó)農(nóng)業(yè)銀行江蘇省分行（國(guó)際業(yè)務(wù)部)負(fù)責(zé)解釋和修改。第三十條 本操作規(guī)程自文到之日起執(zhí)行。附件 1 ：轉(zhuǎn)買福費(fèi)廷業(yè)務(wù)詢價(jià)單附件 2 ：福費(fèi)廷協(xié)議 (Forfaiting Agreement)附件 3：OFFER LETTER附件 4：轉(zhuǎn)買福費(fèi)廷業(yè)務(wù)呈批表附件 5 ：轉(zhuǎn)賣銀行 MT799 福費(fèi)廷電文附件 6 ：轉(zhuǎn)賣銀行 MT799 款項(xiàng)讓渡電文附件 7 ：轉(zhuǎn)買銀行 MT

18、799 確認(rèn)電文附件 8：收款書面通知附件 9 ：中國(guó)農(nóng)業(yè)銀行江蘇省分行轉(zhuǎn)買福費(fèi)廷業(yè)務(wù)情況統(tǒng)計(jì)表31附件1:轉(zhuǎn)買福費(fèi)廷業(yè)務(wù)詢價(jià)單市分行國(guó)際業(yè)務(wù)部:經(jīng)辦人:復(fù)核人：支行 部我行擬申請(qǐng)辦理轉(zhuǎn)買福費(fèi)廷業(yè)務(wù)，具體業(yè)務(wù)細(xì)節(jié)如下:開證行信用證號(hào)碼承兌行或承 諾付款行信用證類型轉(zhuǎn)賣銀行轉(zhuǎn)賣行業(yè)務(wù)編號(hào)單據(jù)幣種單據(jù)金額融資幣種融資金額融資起息日融資期限我行業(yè)務(wù)編號(hào)請(qǐng)市分行報(bào)價(jià)。轉(zhuǎn)買福費(fèi)廷業(yè)務(wù)詢價(jià)確認(rèn)函支行部：你行業(yè)務(wù)編號(hào)為 的轉(zhuǎn)買福費(fèi)廷業(yè)務(wù)，經(jīng)市分行國(guó)際業(yè)務(wù)部研究決定，市分行報(bào)價(jià)為： 。市分行國(guó)際業(yè)務(wù)部年 月 日附件 2 ：福費(fèi)廷協(xié)議 (Forfaiting Agreement)Agreement on Wit

19、hout Recourse Discounting under L/C betweenAgricultural Bank of China and Named Financial InstitutionThis agreement on without recourse discounting under L/C (“Forfaiting Purchase”) is made between Agricultural Bank of China and Named Financial Institution for entering into and promoting the busines

20、s of without recourse discounting under L/C. Either party of the agreement may offer to sell from time to time, and the other party may from time to time purchase without recourse the proceeds of letters of credit (and drafts drawn under them) to be issued by other banks (each an “Issuing Bank ”). T

21、he party offering the sale shall be known as the “Seller ”, while the party accepting the purchase shall be known as the“Purchaser”.There shall be no obligation on each party to make or accept an offer. An offer accepted shall be documented in an offer letter.1. Definitions and InterpretationPS: The

22、 terms should be reorganized as per alphabetical orderBanking Day means a day (other than a Saturday or Sunday) on which banks are open for business in the location of each party, and if any payment is to be made on that day, in the principal financial centre of the currency of that payment;“Without

23、 Recourse ”unless otherwise expressly agreed in writing by both parties, “without recourse ”means(i) the Seller shall have no obligation to repay any amount paid by the Purchaser to the Seller relating to a Forfaiting Purchase under this agreement, or to support or share any losses suffered by the P

24、urchaser because of any kind of delay or unpayment from the issuing bank or acceptor in respect of the Forfaiting Purchase, and also, the Seller shall have no obligation to repurchase or reacquire or reassign the above-said instruments/receivables and documents; (ii) the Seller assumes no responsibi

25、lity for the performance of the obligor concerning its obligations in respect of the instruments/receivables or any failure by the issuing bank or acceptor to effect any payment upon the receivables on its due date; (iii) the Purchaser will make its own independent investigation and appraisal of the

26、 financial condition, creditworthiness, business status of the issuing bank or acceptor instead of relying on the Seller to appraise or/and keep under review on issuing bank or acceptor s credit situation and financial conditions.“Credit ” or “ L/Cme”ans any irrevocable letter of credit issued by a

27、bank which is subject to UCP600 or such later revision as may be adopted by the ICC ( “ UCP”, u)nder which the Seller is entitled to receive the proceeds, whether as negotiating bank or assignee.Beneficiary ” means the beneficiary of the letter of credit.LIBOR ” means the arithmetic meaning of the o

28、ffered rates appearing on the Reuters Screen-LIBOR page for deposits in the releva nt curre ncy at 11:00 a.m. (London) time on the date of determ in ati on, as con clusively determ ined by the Purchaser.2. Pre-C on diti onsThe follow ing con diti ons must be met prior to each payme nt:to each payme

29、nt2.1 The followi ng docume nts to be received by the Purchaser:a. Con formed copy of Letter of Credit plus all ame ndme nts thereto;b. Con formed copy of the Bill(s) of Excha nge (or) commercial In voice;c. Con formed copy of the Bill of Ladi ng evide ncing the shipme nt;d. Letter of Assignment and

30、 Notification of Assignment (see attachment formats) issued by the Seller in favor of the Purchaser;e. Tested telex/SWIFT messages from the L/C Issuing bank to the L/C Negotiating Bank (Sellers) con firm ing its accepta nee of the L/C docume nts and that at maturity funds will be remitted according

31、to the instructions of the L/C Negotiating Bank without any set off, deducti on or withholdi ng whatsoever.2.2 Each Credit is trade-related and shall be governed by International Chamber of Commerce UCP600 or such later revision as may be adopted by the ICC , and shall have been opened by the Issuin

32、g bank for the account of the Seller (or the Seller customer), or shall be an irrevocable negotiation credit nominating the Seller as the n egotiat ing bank (or available by n egotiati on at any ban k).3. Pricinga. The Seller shall pay the fees, commissi ons or disco unt amountscalculatedaccording t

33、o the Discount Rate together to be known as the due cost. The due cost may be deducted at the actual funding day from the gross amounts of the documents or/and face value of the receivables under a Credit while the Purchaser effects the payme nts to the Seller.b. Disco unt RateDiscou nt Rate = ()% p

34、.a.+LIBOR actual days360/3654. Payment5. Representations,Note: The margin should be specified on a case by case basis upon both partiesapproval.For UK Pounds or HK Dollars, the calculation shall base on a 365 days year.All commissions, commitment fees, flat fees or/and management fees or other charg

35、es payable under each Forfaiting Purchase shall be calculated on the basis of 360 days year.a. All payments under the Forfaiting Purchase shall be made within two Banking Days in immediately available, freely transferable funds without set off or counter-claim and free of any deduction or withholdin

36、g for or on account of any tax, levy and charges whatsoever. In the event that any deduction or withholding for or on account of tax, levy and charge is required to be made, the Purchaser or the Seller shall pay such additional amounts as to ensure that the other party receives and retains the amoun

37、t it would have received.b. The payment of funds from the Purchaser is subject to the Seller s notice to the Issuing Bank or acceptor concerning the sale and assignment of the Agreement and notifying the issuing bank or acceptor to pay the Purchaser directly at the maturity day according to the Purc

38、haser s payment institution.c. In the event that the Issuing Bank or acceptor refuses to acknowledge the Purchaser and insists on paying the Seller at maturity, the Purchaser nevertheless may agree (at its discretion) to purchase the receivables and effect the payment in time. If the purchaser has e

39、ffected the payment, the Seller shall, whenever it receives or recovers any payments or amounts from the Issuing Bank or acceptor or any other person, hold the same on trust for the Purchaser and immediately T/T transfer such fund to the Purchaser, under immediate advice to the Purchaser, without de

40、duction except for any costs and expenses (including legal fees) reasonably incurred.Each party represents and warrants to the other that:Warranties,And Covenantsit has full power and authority to enter into this Agreement and it has duly authorized and obtained consents to exercise its rights and p

41、erform itsobligations under this Agreement.The Seller further represents, warrants and covenants the following as of the date of this Agreement, each payment is made and/or a Forfaiting Purchase is outstanding:a. The L/C presented by the Seller is valid, legal and enforceable, and includes all amend

42、mentsthereof (duly certified by authorized signatories of the Seller with evidence that the test or authentication thereto is correct), and theSeller has a valid and legal claim against the issuing bank thereunder.b. The bills and any all ancillary documents provided by the Seller are genuine, compl

43、ete and in strict compliance with the terms and conditions of the L/C and related to the underlying shipment of goods mentioned in the L/C.c. The seller has lawful power and authority to transfer any and all of its right, title and interest to the bills/drafts and the L/C. The seller shall complete

44、any and all requirements (including without limitation endorsement) and procedures necessary for transfer of such right, title and interest.d. The face value of each draft represents payment unconditionally due and owing to the Seller without defense, offset or counterclaim, for goods delivered or w

45、ork performed by the Seller on behalf of the account party named in the Credit.e. The Seller has not (i) sold, transferred, assigned or otherwise participated an or any of its interest in any draft to any other party; (ii) not created or permitted to remain any lien, assignment of proceeds or other

46、encumbrance against the draft, or (iii) otherwise taken any action which might in any prejudice or limit the Purchasers rights in respect to any draft, and now covenant to refrain from taking any such action listed in this sub-clause.f. It will handle and process the Credit and documents thereunder

47、(including presentation of the documents) strictly in accordance with the UCP and the terms of the Credit.g To the best of its knowledge, it has no notice that the underlying transaction of theCredit or the documents might be or are suspected to be forged, fraudulent or contain any misrepresentation

48、s, that the underlying transaction is a genuine commercial deal and that all relevant import/export regulations and rules relating to the underlying trade have been complied with.h It will co- operate with the Purchaser fully at the Purchaser s expense in anything thathe Purchaser may lawfully do in

49、 order to obtain payments under the Credit that the Purchaser has acquired the rights, including (without limitation) to file any claims or take any legal actions or proceedings (either singly or jointly with the Purchaser) against the Issuing Bank or any other relevant parties. Provided that this c

50、lause is applicable only if the Purchaser is unable to take action against the Issuing Bank because the assignment to the Purchaser was not possible or because of other valid legal restrainti. It will not take any action that might affect the validity of the Credit, or the interest of the Purchaser

51、thereunder pursuant to the Forfaiting Purchase, or the validity of the acceptance and/or payment undertaking issued by the Issuing Bank;j.It will not agree to nor allow any amendment to the Credit without the Purchaser consent; andk.It will remain responsible to observe and perform all obligations a

52、nd services required of it under the Credit.6. Termination Each party can terminate this agreement at any time upon 30 days prior written notice. Termination shall not affect the parties respective rights and obligations under any draft remaining outstanding at the termination of this Agreement. Rep

53、resentations, Warranties, covenants, indemnification and payment obligations contained in this Agreement shall survive termination of this Agreement and payment of the obligations under any draft.7. Notices;InterpretationNotices shall be delivered to each party at the respective addresses shownor su

54、ch other address as either may notify the other in writing in English.Headings are included only for convenience and are not interpretative. If any provision of this Agreement is held illegal or unenforceable, the validity of theremaining provisions shall not be affected. All notices and other commu

55、nications under this Agreement shall be in writing in English .8. Expiry DateOffer under this Agreement will automatically expire on the maturity date of each transaction, unless otherwise accepted by the seller.9. AssignmentNeither the Seller nor the Purchaser may assign its rights and obligations

56、hereunder, all or partial, to any other person without the prior written consent by each other.10. Modification;None of the terms of this Agreement may be waived or amendedNo Waiverexcept in writing and signed by the party against whose interest the term is waived or amended.11. Others a. The Purcha

57、ser shall waive any claim, legal action, right of remedy which the Purchaser may have under the applicable law against theSeller for its acts towards the instruments/receivables and/or documents based on the Credit, if there is no inconsistency with the stipulations of UCP600 or such later revision

58、as may be adopted by the ICC.b. Unless otherwise agreed by both parties, the parties hereby agree to keep all relevant information and documents concerning the Agreement highly confidential, and this clause survives clause 6. But a party may disclose information if(a) it is required by law, regulations, court, tribunal or any